| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATES | PO BOX 366 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | OXFORD HEALTH INSURANCE, INC | $41K | — | $41K | 2.27% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | OXFORD HEALTH INSURANCE, INC | $29K | — | $29K | 1.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS/WI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC | — | $12K | $12K | 0.66% |
| PROFESSIONAL GROUP MKTG3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC | — | $8K | $8K | 0.46% |
| FUTURE VALUE ASSOCIATES LTD3 | PO BOX 366 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.69% |
| IPA INC3 | 6800 JERICHO TURNPIKE SYOSSET, NY 11791 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.32% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.08% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 16.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE SUITE SS229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $211 | $211 | 0.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 72521 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $201 | — | $201 | 10.62% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 2.91% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 194 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 185 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 33 | $2K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 161 | $22K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 161 | $22K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 161 | $22K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 194 | $1.8M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 161 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.